# 考拉易分期 vs 时小融

The clearest difference is update cadence: 时小融 at every 8 days against 考拉易分期's every 2 months. 时小融 also leads on iOS requirement (12.0 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

考拉易分期 ships an update every 2 months, 时小融 every 8 days. The most recent releases landed on October 10, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | 考拉易分期 | 时小融 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (5 ratings)](https://appshunter.io/ios/app/id523367437/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | 30.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 8 days** |
| Monetization | Free | — |
| Size | 76 MB | 58 MB |
| Requires iOS | 15.6 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Lakala Network Technology Co.,Ltd.](https://appshunter.io/developer/1188190203) | [Shishi Huxin (Wuhan) Digital Technology Co., Ltd.](https://appshunter.io/developer/1735701583) |

## What reviewers say

### 考拉易分期

[App page](https://appshunter.io/ios/app/id523367437)

This app offers fast, low-interest loans for individuals and small businesses. It provides unsecured, pure credit loans with quick disbursement, up to 200,000 yuan, and a convenient online application process.

**Highlights:** Unsecured, pure credit loans, Fast disbursement, as quick as 15 seconds, Loan amounts up to 200,000 yuan, Online application process, Personalized loan products, Secure and compliant financial institution

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### 时小融

[App page](https://appshunter.io/ios/app/id6479358893)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is 考拉易分期 free?

考拉易分期 is free to download, with no in-app purchases.

### Is 时小融 free?

时小融 is free to download, with no in-app purchases.

### Do 考拉易分期 or 时小融 have ads?

Neither 考拉易分期 nor 时小融 shows ads.

### Which is updated more often, 考拉易分期 or 时小融?

考拉易分期 ships an update every 2 months, and 时小融 every 8 days. Most recently, 考拉易分期 was updated on October 10, 2026 and 时小融 on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*